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INDIAN OVERSEAS BANK
Quarterly Results Analysis [Sep2025]

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INDIAN OVERSEAS BANK Quarterly Results

Consolidated Sep2025
UnAudited
Jun2025
UnAudited
Mar2025
UnAudited
Dec2024
Audited
Sep2024
UnAudited
Jun2024
UnAudited
Mar2024
Audited
Dec2023
Audited
Interest Earned ₹7,851 Cr ₹7,387 Cr ₹7,635 Cr ₹7,116 Cr ₹6,854 Cr ₹6,539 Cr ₹6,634 Cr ₹6,180 Cr
Other Income ₹1,365 Cr ₹1,480 Cr ₹1,623 Cr ₹1,299 Cr ₹1,634 Cr ₹1,033 Cr ₹2,479 Cr ₹1,263 Cr
Interest Expended ₹4,790 Cr ₹4,639 Cr ₹4,510 Cr ₹4,324 Cr ₹4,315 Cr ₹4,096 Cr ₹3,868 Cr ₹3,780 Cr
Expenses ₹2,025 Cr ₹1,870 Cr ₹2,088 Cr ₹1,824 Cr ₹2,045 Cr ₹1,800 Cr ₹3,281 Cr ₹1,881 Cr
Operating Income ₹2,402 Cr ₹2,359 Cr ₹2,660 Cr ₹2,268 Cr ₹2,128 Cr ₹1,677 Cr ₹1,964 Cr ₹1,782 Cr
Provisions and contingencies ₹672 Cr ₹844 Cr ₹1,064 Cr ₹1,029 Cr ₹1,146 Cr ₹938 Cr ₹768 Cr ₹701 Cr
Profit Before Tax ₹1,729 Cr ₹1,515 Cr ₹1,595 Cr ₹1,239 Cr ₹982 Cr ₹739 Cr ₹1,196 Cr ₹1,080 Cr
Profit After Tax ₹1,228 Cr ₹1,112 Cr ₹1,092 Cr ₹875 Cr ₹777 Cr ₹633 Cr ₹810 Cr ₹724 Cr
% of Net NPAs 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
% of Gross NPAs 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
EPS ₹0.65 ₹0.61 ₹0.57 ₹0.46 ₹0.41 ₹0.34 ₹0.43 ₹0.38
Industry Peers & Returns1W1M1Y
INDIAN OVERSEAS BANK -2.4% -4.3% -26.6%
STATE BANK OF INDIA 0.7% 3.8% 10.2%
PUNJAB NATIONAL BANK -2.7% 1.6% 10.6%
BANK OF BARODA -1.4% 7.5% 9.1%
UNION BANK OF INDIA -2.3% -0.2% 22.6%
CANARA BANK -1.7% 8% 22%
INDIAN BANK -0.2% 11.2% 48.3%
UCO BANK -2.7% 1.4% -30.5%
BANK OF INDIA -2.8% 3.1% 19.7%

INDIAN OVERSEAS BANK Quarterly Net Interest Income

[ Net Interest Income = Interest Earned - Interest Expended ]
Net Interest Income
Q-o-Q

11.39 %

Y-o-Y

20.55 %

Quarters Net Interest Income % Change
Sep2025 ₹3,061 Cr
11.39
Jun2025 ₹2,748 Cr
-12.04
Mar2025 ₹3,124 Cr
11.91
Dec2024 ₹2,792 Cr
9.95
Sep2024 ₹2,539 Cr
3.93
Jun2024 ₹2,443 Cr
-11.65
Mar2024 ₹2,766 Cr
15.23
Dec2023 ₹2,400 Cr -

INDIAN OVERSEAS BANK Quarterly Operating Profit

Operating Profit
Q-o-Q

1.82 %

Y-o-Y

12.84 %

Quarters Operating Profit % Change
Sep2025 ₹2,402 Cr
1.82
Jun2025 ₹2,359 Cr
-11.32
Mar2025 ₹2,660 Cr
17.28
Dec2024 ₹2,268 Cr
6.55
Sep2024 ₹2,128 Cr
26.95
Jun2024 ₹1,677 Cr
-14.62
Mar2024 ₹1,964 Cr
10.21
Dec2023 ₹1,782 Cr -
Operating Margins
Q-o-Q

-8.59 %

Y-o-Y

-6.40 %

Quarters Operating Margin% % Change
Sep2025 78.45%
-8.59
Jun2025 85.82%
0.82
Mar2025 85.12%
4.80
Dec2024 81.22%
-3.09
Sep2024 83.81%
22.15
Jun2024 68.61%
-3.35
Mar2024 70.99%
-4.36
Dec2023 74.23% -

INDIAN OVERSEAS BANK Quarterly Profit After Tax

Profit After Tax(PAT)
Q-o-Q

10.45 %

Y-o-Y

57.98 %

Quarters Profit After Tax % Change
Sep2025 ₹1,228 Cr
10.45
Jun2025 ₹1,112 Cr
1.81
Mar2025 ₹1,092 Cr
24.75
Dec2024 ₹875 Cr
12.61
Sep2024 ₹777 Cr
22.70
Jun2024 ₹633 Cr
-21.84
Mar2024 ₹810 Cr
11.91
Dec2023 ₹724 Cr -
PAT Margins
Q-o-Q

3.92 %

Y-o-Y

37.92 %

Quarters PAT Margin(%) % Change
Sep2025 15.64 %
3.92
Jun2025 15.05 %
5.24
Mar2025 14.3 %
16.26
Dec2024 12.3 %
8.47
Sep2024 11.34 %
17.03
Jun2024 9.69 %
-20.70
Mar2024 12.22 %
4.27
Dec2023 11.72 % -

INDIAN OVERSEAS BANK Quarterly Earnings Per Share (EPS)

EPS
Q-o-Q

6.56 %

Y-o-Y

58.54 %

Quarters EPS % Change
Sep2025 ₹0.65
6.56
Jun2025 ₹0.61
7.02
Mar2025 ₹0.57
23.91
Dec2024 ₹0.46
12.20
Sep2024 ₹0.41
20.59
Jun2024 ₹0.34
-20.93
Mar2024 ₹0.43
13.16
Dec2023 ₹0.38 -

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